and, it's -- and this is an issue with the law. it is the $95 a year penalty for a young person who has really no medical problems, doesn't really use doctors, doesn't have insurance, doesn't really want insurance or wants a bare-bones plan, are you going to get them to fork over serious money to pay for insurance premiums when they can just pay a penalty and not even have to if they don't have a tax refund coming to them. cheryl: i want to take this to adam, we're also finding this new report from mckenzie and company that up to seven million people may be eligible for free health care under the bronze plan. that's not being discussed because that could be another black mark for the administration. >> and will get subsidies greater if they were to go with the bronze plan. the simple question, is obamacare a failure, and from the standpoint of signing people up for insurance, the administration will say, no, we're going to have millions more people. but as dennis pointed out, controlling the costs of medical expenses, this has not